1) Refund to card
Once the merchant processes a refund, the amount will be credited to the card tagged to your Atome account within 10 to 15 business days. There is, however, a dependency on how long your card issuer/bank may take to credit the refund. Please reach out to your merchant/bank on the refund status.
If your transaction is cancelled, the refund may go through in the form of a reversal. In the case of a reversal, you will not see a refund showing on your statement – you will just see the original authorization drop off from your statement entirely after a few days. There will be no payment and no refund. It will appear as if the whole transaction never happened instead.